I would avoid Wingspan like the plague. When you have compnies like Citibank, Chase and even Capital One(if you have crappy credit) why would you apply for a card from this Bank One/First USA company. Go check out www.firstscams.com if you want to read about how good people get treated poorly by these clowns. And it looks like they have a variable rate APR which isn't so great....nice intro APR though. They also have Two Cycle billing...forget it!!!! Just my onpinion. I have never had an account with them and I never will. John.
Jim, It is a billing formula that allows them to charge interest on money you may have already paid. I don't have the details for you but if you do a search on this site for two-cycle you will probably get what you are looking for. Also if you read the terms of the card agreement it should be detailed there also.
